Search found 933 matches

by Luckywon
Tue Apr 07, 2020 11:00 am
Forum: Personal Investments
Topic: Talk me out of or into increasing international equity allocation
Replies: 61
Views: 3232

Re: Talk me out of or into increasing international equity allocation

Triple digit golfer wrote:
Tue Apr 07, 2020 10:46 am


Is there a barf emoji?
Of course! 🤮 And let's say it was a few years earlier and you were only nauseated we have 🤢.

You can just search the emoji and copy and paste. Many sources but a good one is getemoji.com
by Luckywon
Tue Apr 07, 2020 10:07 am
Forum: Investing - Theory, News & General
Topic: Philosophy Testing ...
Replies: 3
Views: 386

Re: Philosophy Testing ...

I agree with you there is a disconnect between the economic landscape as I see it and the stock market. When the stock market started to bounce back late last month, I shifted my asset allocation toward bonds. I reasoned that I misjudged my risk tolerance. Today I went a bit further, now at 45/55. F...
by Luckywon
Sat Apr 04, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: Paypal vehicle deposit, buyer opened case for refund.
Replies: 73
Views: 3579

Re: Paypal vehicle deposit, buyer opened case for refund.

There's no evidence whatsoever that the item can't be sold. Difficult to sell and impossible to sell are not the same. If being put in the position of trying to sell a motorhome during a pandemic would not persuade a court, I don't know what would. It would not. Especially since the first alleged s...
by Luckywon
Sat Apr 04, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Paypal vehicle deposit, buyer opened case for refund.
Replies: 73
Views: 3579

Re: Paypal vehicle deposit, buyer opened case for refund.

KyleAAA wrote:
Sat Apr 04, 2020 12:33 pm

There's no evidence whatsoever that the item can't be sold. Difficult to sell and impossible to sell are not the same.
If being put in the position of trying to sell a motorhome during a pandemic would not persuade a court, I don't know what would.
by Luckywon
Sat Apr 04, 2020 12:30 pm
Forum: Personal Consumer Issues
Topic: Paypal vehicle deposit, buyer opened case for refund.
Replies: 73
Views: 3579

Re: Paypal vehicle deposit, buyer opened case for refund.

Having difficulty selling an item isn't damages. What would be a damage is if it couldn't be sold for the agreed upon price. A bit of difficulty clearly wouldn't qualify. I disagree that being unable to sell an item (which is where the buyer is as of now) would not qualify for damages whereas selli...
by Luckywon
Sat Apr 04, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: Paypal vehicle deposit, buyer opened case for refund.
Replies: 73
Views: 3579

Re: Paypal vehicle deposit, buyer opened case for refund.

Your link supports the opposite conclusion. As I stated, the governing principle the California court held was whether or not there were damages. So the link 100 % supports the OP. It’s pretty clear here we’re no damages. Huh? Due to Buyer's default, seller is now having difficulty selling the vehi...
by Luckywon
Sat Apr 04, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: Paypal vehicle deposit, buyer opened case for refund.
Replies: 73
Views: 3579

Re: Paypal vehicle deposit, buyer opened case for refund.

Just in case this has not been beaten to death already, I think the article from a law firm in California linked below lends an interesting perspective. http://www.neufeldmarks.com/when-nonrefundable-means-refundable/ In summary, in California, a buyer put down a $620,000 "non-refundable' deposit to...
by Luckywon
Fri Apr 03, 2020 5:47 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13500

Re: Safest way to get food

What do you feel is the safest way to get food? Online shopping and pick up in the parking lot with the food delivered on top of the car or delivered to your house or personal shopping in grocery stores? The safest way to get food for me is the way it has always has been in my whole lifetime. Going...
by Luckywon
Fri Apr 03, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56497

Re: How to get Toilet Paper ? seriously.

No need to get defensive. I'm not telling anyone not to use a bidet. I'm saying the hygienic 'superiority' of bidets over TP is unproven, and they are not for everyone. Not sure funding for a study is forthcoming any time soon but I humbly suggest the following experiment: A) Dip a hand in, say, mu...
by Luckywon
Fri Apr 03, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: Paypal vehicle deposit, buyer opened case for refund.
Replies: 73
Views: 3579

Re: Paypal vehicle deposit, buyer opened case for refund.

This is a 32 year old vehicle BTW. I offered the guy half the deposit back, otherwise let Paypal handle it. He tells me the pictures didn't represent the motorhome accurately even though I took them recently and that to let Paypal give him the full amount back. Just finished a phone call with Paypa...
by Luckywon
Fri Apr 03, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: Paypal vehicle deposit, buyer opened case for refund.
Replies: 73
Views: 3579

Re: Paypal vehicle deposit, buyer opened case for refund.

What does the agreement say concerning your terms of the deposit? If you don't have that in writing you seriously screwed up and should refund the deposit. If it is not in writing that it is a refundable or nonrefundable deposit then assume it is refundable. There were no terms. He initiated the id...
by Luckywon
Thu Apr 02, 2020 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can I un-file my 2019 taxes in order to get a bigger stimulus check based on my 2018?
Replies: 30
Views: 2894

Re: Can I un-file my 2019 taxes in order to get a bigger stimulus check based on my 2018?

matt1882 wrote:
Thu Apr 02, 2020 7:32 pm
My question certainly didn't imply that I was looking to cheat or lie. It was based on the hope that a decision with arbitrary consequences might be able to be reversed.
Perfectly reasonable question, unlike some of the judgmental responses, in my opinion.
by Luckywon
Thu Apr 02, 2020 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 10836

Re: Are your personal expenses down during stay home and shelter?

Expenses are down in dining, commuting but developing addiction to shopping online so at this point, it's a wash.

Last two days:

New set of pots and pans
Multiple new UPS power supplies
Roomba
by Luckywon
Wed Apr 01, 2020 9:59 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536545

Re: What are you up YTD? [Year To Date]

DR wrote:
Wed Apr 01, 2020 9:41 am
Down 3.7% YTD

25% total bond / 75% S&P index
With that AA I'd expect you to be down much more.
by Luckywon
Tue Mar 31, 2020 1:47 am
Forum: Personal Investments
Topic: Another way Edward Jones gets you
Replies: 43
Views: 4665

Re: Another way Edward Jones gets you

OP you and your wife have true love 💓. I think that keeping EJ would be a dealbreaker for me.
by Luckywon
Sun Mar 29, 2020 10:05 pm
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6610

Re: What's worth paying more for?

Drapes.
by Luckywon
Sun Mar 29, 2020 8:00 pm
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in international funds?
Replies: 306
Views: 18475

Re: Why does anyone invest in international funds?

Don't you guys get bored with having this debate for like the 10th time? If it were only the 10th time ... Are we getting close to the point where someone starts the Final, definitive topic on international investing . It could be used to summarize the 738 (and counting) topics that already exist o...
by Luckywon
Sun Mar 29, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17449

Re: What will you do first, once COVID pandemic is over?

Regret having shifted to a more conservative asset allocation.
by Luckywon
Sun Mar 29, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Just learned of aging MIL funds, could use advice
Replies: 12
Views: 1039

Re: Just learned of aging MIL funds, could use advice

She will likely be moving to a assisted living soon and her pension/SS will be able to cover that. if she is in a part of the country that is not yet too much afflicted with coronavirus, it may be wise for her to secure a place right away, there may be a time when it will be very difficult or impos...
by Luckywon
Fri Mar 27, 2020 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's oncologist has stopped treatment, is recommending hospice
Replies: 93
Views: 14903

Re: Wife's oncologist has stopped treatment, is recommending hospice

My sincere condolences. Many thanks for generously sharing your experience.
by Luckywon
Fri Mar 27, 2020 12:59 pm
Forum: Personal Investments
Topic: Effect of COVID19 on Real Estate
Replies: 42
Views: 6169

Re: Effect of COVID19 on Real Estate

jasperhobbs wrote:
Fri Mar 27, 2020 7:48 am
I have not heard of any buildings or land dying of the coronavirus so no effect.
Don't see any buildings or land listed in the obituaries from 2008 so I'm not sure your reasoning holds up.
by Luckywon
Fri Mar 27, 2020 12:01 pm
Forum: Investing - Theory, News & General
Topic: So, Where Are You *Back* To in Time? (And Were You Happy Then?)
Replies: 63
Views: 3864

Re: So, Where Are You *Back* To in Time? (And Were You Happy Then?)

Interesting way to look at it. I'm at the same NW as in October 2018.
by Luckywon
Fri Mar 27, 2020 1:28 am
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in international funds?
Replies: 306
Views: 18475

Re: Why does anyone invest in international funds?

It's not the lost money that's bad, it's these threads that reappear at each milepost. Usually. But in this case, granted, a nice distraction :sharebeer
by Luckywon
Fri Mar 27, 2020 12:31 am
Forum: Personal Investments
Topic: I moved to cash on March 13th and I’m regretting my decision now
Replies: 77
Views: 9394

Re: I moved to cash on March 13th and I’m regretting my decision now

Sometimes emotions get the best of us. Best thing you could do now is forget what happened... He had $220,000 in losses and you want him to forget what happened. :confused My understanding is OP did not have $220000 in losses. He stated in his OP he had a positive return. The $220,000 is the differ...
by Luckywon
Thu Mar 26, 2020 10:13 pm
Forum: Personal Investments
Topic: If you realized that you had too much in equities, sell now
Replies: 19
Views: 2440

Re: If you realized that you had too much in equities, sell now

This is a post for those who were terrified a few days ago and realized that they had too much in equities: The market has just given you a 20% present (S&P increase from the low). Sell now down to the level where you are comfortable with your allocation to stocks. Don't get greedy and tell yoursel...
by Luckywon
Thu Mar 26, 2020 8:33 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 353
Views: 33870

Re: It's Not Different This Time

Thesaints wrote:
Thu Mar 26, 2020 8:06 pm
99 times out of 100 those who nailed a financial move from "seeing something that the market had not priced" were simply lucky.
Plus they're neglecting to tell us about the debacles that resulted from their other "insights" .
by Luckywon
Thu Mar 26, 2020 7:42 pm
Forum: Personal Investments
Topic: Capitulation
Replies: 59
Views: 5332

Re: Capitulation

No reassurance or answers here but just offering my perspective: In 2009 I was your age and also about 88/12. I don't remember even thinking about capitulation. I was in my peak earning years and just figured I was going to have to postpone my retirment. Now I am age 54, allocation 55/45 (down from...
by Luckywon
Thu Mar 26, 2020 7:13 pm
Forum: Personal Investments
Topic: I moved to cash on March 13th and I’m regretting my decision now
Replies: 77
Views: 9394

Re: I moved to cash on March 13th and I’m regretting my decision now

I moved $350,000 out of Wellington and $400,000 out of Life Strategy Moderate into Vanguard MM. I had plenty of cash to weather the storm and realize now I made a mistake locking in about $220,000 in losses I don't see where you have $220k in losses. It looks like the S&P was at 2711 when you sold ...
by Luckywon
Wed Mar 25, 2020 10:44 am
Forum: Personal Investments
Topic: Effect of COVID19 on Real Estate
Replies: 42
Views: 6169

Re: Effect of COVID19 on Real Estate

My friend's home feel out of escrow. Buyer was concerned about losing his job. With unemployment skyrocketing, and a large number of people taking a large hit to their personal wealth, I imagine real estate prices will be coming down significantly.
by Luckywon
Tue Mar 24, 2020 6:40 pm
Forum: Personal Investments
Topic: please critique my portfolio
Replies: 16
Views: 762

Re: please critique my portfolio

i am more concerned about the capital gains and if i can off set that. but perhaps there is no solution for that. Potential solutions: -Move to a more tax efficient fund. Preferably a passive Vanguard ETF or mutual fund that does not have capital gains distributions. (You will still receive dividen...
by Luckywon
Tue Mar 24, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Traffic Ticket - Offer to reduce points for Increase Fine
Replies: 25
Views: 1783

Re: Traffic Ticket - Offer to reduce points for Increase Fine

Hi, I got a speeding ticket a few days ago. Cop noted that I was driving 13 mph over the speed limit (recorded 43 mph in a 30 mph zone), but gave the ticket for 5mph over. The fine was $130 and 1 point (Traffic Citation was "Speed 1-5 mph over") The court has a "review request" option, which I aske...
by Luckywon
Fri Mar 20, 2020 1:33 am
Forum: Personal Investments
Topic: im wanting a small correction very soon
Replies: 78
Views: 4852

Re: im wanting a small correction very soon

is it weird of me that im almost praying for a small ~ 15-20% correction soon? the market has been on rocket fuel since 2009 why am i wanting a correction? maybe since i only been in the market for a few months and its scares me that once i start building up my portfolio ...we will get hit harder t...
by Luckywon
Mon Mar 16, 2020 11:26 pm
Forum: Personal Investments
Topic: Is this blog actually worthwhile
Replies: 32
Views: 3124

Re: Is this blog actually worthwhile

Someone's been reading the U.S. vs international threads 🤣🤣
by Luckywon
Mon Mar 16, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: Split tops of thumbs--ouch!
Replies: 18
Views: 1155

Re: Split tops of thumbs--ouch!

Wow quite a nasty comment upstream.

Consider putting on a heavy layer of aquaphor and covering with thin cloth gloves at night (and during the day when you can). You can buy packs of cheap cloth gloves on Amazon.
by Luckywon
Sun Mar 15, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12582

Re: Are you still going to the gym ...

I haven't been to the gym since Thursday and I miss it. If I go tomorrow, this is what I am thinking of doing: 1. Arrive at 3 am. There will only be a few other people there at a time. It is a large gym (Lifetime Fitness) and I can keep a safe distance from others. 2. Wear Latex gloves while I am t...
by Luckywon
Sun Mar 15, 2020 9:28 pm
Forum: Investing - Theory, News & General
Topic: Is there a single person on here that thinks Coronavirus is going to have a material impact on [earnings]
Replies: 117
Views: 9766

Re: Is there a single person on here that thinks Coronavirus is going to have a material impact on

ochotona wrote:
Sun Mar 15, 2020 7:22 pm
We're going to have a vaccine late 2021.
A specific date would be nice. :twisted:

From what I have heard vaccine in 12 to 18 months is best case scenario. It could easily be longer.

Antivirals with some effect on severity of disease may be available sooner than 12 months.
by Luckywon
Sun Mar 15, 2020 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity - Responsibility to track down beneficiaries on death]
Replies: 71
Views: 4274

Re: How hard will Fidelity try to find an IRA beneficiary?

Maybe include in your estate plan a letter to be sent to the charity advising them of your gift?
by Luckywon
Thu Mar 12, 2020 6:25 pm
Forum: Personal Investments
Topic: Capitulation
Replies: 59
Views: 5332

Re: Capitulation

No reassurance or answers here but just offering my perspective: In 2009 I was your age and also about 88/12. I don't remember even thinking about capitulation. I was in my peak earning years and just figured I was going to have to postpone my retirment. Now I am age 54, allocation 55/45 (down from ...
by Luckywon
Thu Mar 12, 2020 5:34 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 308
Views: 22442

Re: International is in meltdown

Yes, with respect to US versus International, that is the argument. I have some International myself. I'm just pointing out there is a limitation to the wisdom of the quote. For younger investors, the stinker probably has always been International.
by Luckywon
Thu Mar 12, 2020 5:30 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 308
Views: 22442

Re: International is in meltdown

watchnerd wrote:
Thu Mar 12, 2020 5:23 pm
If you don't have one stinker in your port you're not diversified.
But there may be a problem when the stinker is always the same one.
by Luckywon
Thu Mar 12, 2020 4:03 pm
Forum: Personal Investments
Topic: About to give up on International
Replies: 11
Views: 796

Re: About to give up on International

Just what the doctor ordered to distract us from coronavirus and the bear market, a nice U.S. vs international thread :sharebeer , ah the good old days.
by Luckywon
Wed Mar 11, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Time to get a new tax guy?
Replies: 28
Views: 2203

Re: Time to get a new tax guy?

My CPA has given generally great service over 25 years but has fallen short in: Did not advise me to maximize my contributions to out pension plan. I leaned the hard way I needed to be asking our plan administrator about this. Had very limited knowledge about the megabackdoor Roth, specifically was ...
by Luckywon
Tue Mar 10, 2020 10:27 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1220
Views: 107662

Re: Well, I am market timing... Wish me luck.

To be fair to many expressing disdain over the OP's move away from stocks, it's true that we should not confuse strategy with outcome. The person who bets on red coming up next on the roulette wheel has a negative expected return. Even if this person wins, the strategy is a bad one. This logic is b...
by Luckywon
Sun Mar 08, 2020 4:17 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193972

Re: Bogleheads community discussion - Coronavirus

Any ideas why the death rate in Italy is so high compared to South Korea? As of right now the two countries show almost the exact same number of confirmed cases but Italy's death rate is is around 5% while Korea's is around 0.7%. Two countries of similar wealth, I'd assume similar quality of health...
by Luckywon
Sat Mar 07, 2020 9:08 pm
Forum: Personal Investments
Topic: I got lucky, now what?
Replies: 46
Views: 4421

Re: I got lucky, now what?

I'm going to DCA over the rest of 2020 back to my 80/20 AA, doing my research today and with Fidelity Funds. Now think about this.... If you put the money back in right now, you will have a guaranteed "win" of 15% (or whatever) more shares than when you got out of the maket to make the transfer. If...
by Luckywon
Sat Mar 07, 2020 11:52 am
Forum: US Chapters
Topic: Where is Livesoft!?
Replies: 147
Views: 27881

Re: Where is Livesoft!?

. Livesoft also mentioned he has a PHD in Biochemistry in this post https://www.bogleheads.org/forum/viewtopic.php?p=768976#p768976 and in this post: https://www.bogleheads.org/forum/viewtopic.php?p=768635#p768635 said: "(Full disclosure: I was in academic science before moving to a for-profit comp...
by Luckywon
Sat Mar 07, 2020 10:22 am
Forum: Investing - Theory, News & General
Topic: Risk tolerance and asset allocation with mathematics
Replies: 99
Views: 6115

Re: Risk tolerance and asset allocation with mathematics

nisiprius wrote:
Wed Mar 04, 2020 5:57 pm
Should be a Wiki article.
Respectfully disagree. The Wiki has been valuable to me because it has information of practical value written in a manner understandable to most readers. This post, in my opinion, does not fall into that category.
by Luckywon
Sat Mar 07, 2020 10:15 am
Forum: Investing - Theory, News & General
Topic: Risk tolerance and asset allocation with mathematics
Replies: 99
Views: 6115

Re: Risk tolerance and asset allocation with mathematics

OP I tried to follow your post but most of it was far over my head. (I was a science major in college and took some calculus and statistics.) If your intent (and perhaps it was not your primary intent, which is fine too) was to help forum members make decisions with respect to their portfolio, maybe...
by Luckywon
Fri Mar 06, 2020 10:26 pm
Forum: Investing - Theory, News & General
Topic: Where My 100% Equities Peeps At?!?
Replies: 211
Views: 21083

Re: Where My 100% Equities Peeps At?!?

Any one bought more lately ? I bought another 225K last Friday and if the Dow drops to around 23,600 I will be buying another 200k+ and if the DOW drops to 18k-17k I will be going all in with a very big chunk. Thanks God my wife is also on board with it. So, timing the market, but in the direction ...